Medical insurance, critical illness insurance, and nursing care insurance are the three major categories of commercial health insurance, and the most common in the market is medical insurance, also known as medical expense insurance. Premium medical insurance is a medical insurance product designed for elite people to meet their needs for advanced medical services. This type of insurance usually provides a high amount of coverage, covers a wider range of hospitals, and may provide services such as skipping the line for medical visits, reimbursement for imported medicines, and direct billing between the insurance company and the hospital. High-end medical insurance is mainly aimed at high-net-worth individuals, who purchase health insurance not only to prevent the risk of critical diseases, but also to enjoy a better medical environment and medical resources.
Compared with ordinary medical insurance, high-end medical insurance usually has the following characteristics.
1. The hospital has a wide range.
The hospitals recognized by ordinary medical insurance are public hospitals above the second level in China, and the recognized hospitals of high-end medical insurance have a wider range, such as the special needs department and international department of the hospital, and may also include foreign-funded hospitals and private hospitals.
2. Wide range of reimbursement.
Reimbursement for social security or general medical insurance has certain restrictions on the scope of drugs and the way of diagnosis and treatment. High-end medical insurance has a wider scope of reimbursement, non-social security drugs and imported drugs may be reimbursed, and medical methods such as psychological diagnosis and treatment, traditional Chinese medicine health care, and dental fillings and implants may also be reimbursed.
3. Better service quality.
Due to the large number of people seeking medical treatment in public hospitals, there are often problems such as difficulty and long queuing time. High-end medical insurance can arrange specially customized medical services to avoid the pain of ** and waiting, and can also provide more high-quality services such as comfortable private rooms and global assistance.
Everyone's financial situation and family situation are different, and their health insurance needs are also different. Low-income groups can generally only afford social security, and well-off families tend to buy commercial health insurance to increase protection, while those high-net-worth individuals have a higher demand for commercial health insurance. Everyone should choose the right insurance according to their actual situation. High-end medical insurance is generally expensive, ranging from a few thousand yuan a year to tens of thousands of yuan a year, and the general population buys very little, and it is not necessary.
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